During the Chinese New Year, I heard the most discussion about the New Rural Cooperative Medical Insurance. The NCMS medical insurance is now also known as the medical insurance for urban and rural residents, and the state has eliminated the distinction between urban and rural areas, and everyone is treated the same. Some friends said that they only paid a few dozen yuan in the past year, and now it has risen to 380 yuan, which is really too expensive.
From the point of view of the increase in contributions in recent years, it is indeed growing at a rapid pace. In the beginning, the individual contribution was only 10 yuan. In less than 20 years, it has increased by 38 times. But to be honest, medical insurance for urban and rural residents is a kind of national welfare-type security, and from the perspective of the income and expenditure of the entire medical insurance, it is still cheaper to participate in insurance.
First of all, the financing of participating in the medical insurance for urban and rural residents** is not only the part of the money paid by individuals, but also a large number of financial subsidies. Since 2010, the minimum standard of the subsidy has ranged from $120 per person per month to $640 in 2023. That is to say, in 2023 (2024 resident medical insurance), although individuals need to pay 380 yuan, and the actual financing standard is 1020 yuan, individual contributions only account for 37%.
Second, the increase in the amount of money raised actually means that our medical insurance benefits have improved. According to the figures of the 2022 National Statistical Communiqué on the Development of Medical Security, the number of Chinese residents insured in 2022 will be 98.3 billion people, ** income exceeded 1,000 billion yuan, and expenditure reached 9,3534.4 billion yuan. In 2022, the number of people enjoying treatment is as high as 215.7 billion visits, of which 1 were hospitalized600 million people, the average hospitalization fee is 8,129 yuan. The average payment rate in the medical insurance catalogue is 683%, of which 63 are medical institutions7%, and 80 in first-class medical institutions1%。
A few years ago, my child was reimbursed by the resident medical insurance, which actually strengthened my decision to insist on paying the premiums. My family Dabao was hospitalized at that time and cost 150,000 yuan, and the medical insurance reimbursed more than 8,000 yuan, which is equivalent to more than 40 years of payment at that time.
Third, most people are risk-conscious, and the insurance rate of people who are susceptible to diseases is relatively high.
I asked my relatives for the Chinese New Year and found that it was also rational for people to participate in a lot of insurance. Everyone knows that middle-aged and elderly people are susceptible to diseases, so they will actively pay for them. Among the relatives in the family, the elderly over 60 years old, not one of them are insured. However, many young people in their thirties and forties think that they are in good health and have a low probability of getting sick, and they are not interested in this kind of insurance.
However, fortunately, most young people still have participated in employee medical insurance. I still advise them to enroll in insurance as soon as possible, after all, the retirement payment period of employee medical insurance will continue to be extended, and the payment base of insurance will be lower now. For example, Shandong Province will unify the payment period in the province to 25 years for women and 30 years for men in 2026. Guangdong Province will achieve a unified payment period for the whole province by 2030, and the requirements are the same as those of Shandong Province. In the future, the reunification of various provinces will be a major trend.
Employee medical insurance can wait until retirement without paying, and there is a personal account treatment every month, and the reimbursement ratio will be higher, which is a typical "young more accumulation, old more happiness". For example, the reimbursement rate for retired seniors is more than 5 percentage points higher than that of active employees. For example, the reimbursement rate of retirees in Qingdao is as high as 93% in ** hospitals, and 97% for more than 40,000 yuan.
There may still be people complaining about the actual amount of money that individuals pay, and with the continuous development of society, the medical security department will also take action. For example, the Hebei Provincial Medical Insurance Bureau recently issued a number of measures to narrow the gap between the actual reimbursement ratio of hospitalization and the reimbursement ratio within the scope of the policy, and the target of increasing it by no less than 5 percentage points by the end of 2024.
For example, the reimbursement ratio of medical insurance is 70%, and 7,000 yuan is reimbursed for 10,000 yuan. But due to the presence of the threshold and the personal payment part, it actually cost 140,000 yuan, so that the actual reimbursement ratio is only 50%. If it is reduced to 55%, the actual cost of hospitalization will be reduced to 1270,000 yuan. In this case, it not only reduces the burden of individuals and medical insurance, but also improves the cost management level of hospitals.
Generally speaking, resident medical insurance is also a very good social welfare guarantee, and it is very necessary to participate. Even if it is difficult to achieve full coverage, it is important to enroll older middle-aged and elderly people.